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A live-in slave is a submissive who has adopted their submissive state as a lifestyle and lives their life within the structure of a master (or mistress)/sub relationship.
The sub may be somehow marked as being "owned" by their master such as through the wearing of a collar. They may even have a collaring ceremony to proclaim their commitment to this relationship.
This relationship is entered into willingly, negotiated, and can be left at any time. The slave is in effect choosing to be "owned." This power dynamic is common in BDSM.